Terms

Summary of key terms

We believe in transparency and want to ensure important clauses aren't overlooked. Below, we've summarised the key terms of our Terms & Conditions to help you quickly understand the main points of our service. This summary enhances clarity and convenience, but we encourage you to read the full terms to fully understand your rights and obligations.

• Service Overview: Sure Credit, a trading style of Bume International Ltd , offers a subscription-based credit education service and a separate free loan brokerage service. The credit information service is free for the first 14 days, after which a monthly fee of $24.99 applies if not cancelled within the trial period.
• Membership Details: Membership is personal, non-transferable, and restricted to individuals over 18. Members must keep their account details secure and adhere to the service rules.
• Cancellation Policy: To cancel, visit app.surecredit.co.uk/cancel-request. Online cancellations are effective immediately. Alternatively, members can cancel through their member's area, by emailing [email protected]  , or calling +1 888 689 5163 .
• Refund Policy: Customers are not eligible for refunds for fees paid after the 14-day trial period.

Company information and regulatory details

Sure Credit is a registered trading style of Bume International Ltd .

Bume International Ltd is registered in England and Wales (Company number 15999143 ) and its registered office is 8a Dunraven Place, Bridgend, Wales, CF31 1JD . It is licenced by the Information Commissioner's Office, registration number TBD .

In these terms and conditions, "we" or "us" refers to Bume International Ltd trading as Sure Credit and "you" or "your" refers to you, the user of our services.

This website (this "Site") is offered by Sure Credit, to you, the user, conditioned upon your acceptance without modification of these Terms. Your use of this Site constitutes your agreement to all of these Terms. Sure Credit may revise these Terms at any time by updating this posting, which revisions will be binding upon all visitors to the Site. You should therefore visit this posting to review these Terms from time to time as you visit the Site. For purposes of these Terms, references to Sure Credit include its affiliates, directors and employees.

Data, Information, and Content

The data, information and content on this Site are for information and education purposes only. Although Sure Credit may provide data, information, and content relating to consumer credit, you should not construe any such information or other content available through this Site as financial, legal, or tax advice. You alone shall bear the sole responsibility of evaluating the merits and risks associated with the use of any data, information, or content on this Site before making any decisions based on such data, information, or content. In exchange for using such data, information, or content, you agree not to hold Sure Credit, its members, nor (to the extent applicable) its third-party content providers liable for any claim for damages arising from any decision you make based on information made available to you through this Site. By providing links or access to other websites, neither Sure Credit nor any of its members are endorsing services provided by any website's sponsoring organization.

Copyright and Trademark Information

The information contained at the Site, including but not limited to text and images herein (other than certain images and information licensed from third parties) and their arrangement, are copyright © 2025 by Sure Credit. All rights reserved.

Sure Credit and its logo are trademarks of Sure Credit. All other trademarks are property of Sure Credit unless otherwise designated or clearly implied herein as belonging to third parties. Nothing contained at the Site shall be construed as granting by implication, estoppel, or otherwise any license or right under any patent, trademark, copyright (except as expressly stated above) or proprietary rights of Sure Credit or of any third party.

The Site, including this page, may contain other proprietary notices and copyright information, the terms of which must be observed and followed. Certain images and information at the Site are the copyright or trademark of third parties and any use is subject to the terms of use of such third parties.

Limited License and Site Access

Sure Credit hereby grants you a limited, nonexclusive, nontransferable license to view, bookmark, download, and print the pages within this Site and the documents, graphics, information, and media incorporated on these pages. You agree that no joint venture, partnership, employment, or agency relationship exists between you and Sure Credit as a result of your use of this Site. You are solely responsible for obtaining, paying for, repairing, and maintaining all of the equipment, telephone lines, and other material that you need to access this Site. The pages within this Site may be used solely for personal, informational, and noncommercial purposes or, if you are a Sure Credit-authorized entity, for internal business purposes. Except as provided for herein, you may not modify, copy, distribute, transmit, post, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any pages, data, information, software, products, or services obtained from this Site unless you have obtained the prior written permission of Sure Credit.

Notwithstanding the foregoing license, unless you have obtained Sure Credit's prior written permission, you MAY NOT:

• Copy, modify, or display Sure Credit's name, logo, trademarks, text, or graphic images in any way, except as may be expressly authorized on this Site.
• Redeliver any of the pages, text, images, or content of this Site using "framing" technology.
• Modify or use the pages, text, images, or content from this Site for any other purpose.
• Use devices (including software) that are designed to provide repeated automated access to this Site, probe, scan, or test the vulnerability of any system or network related in any way to this Site. Sure Credit reserves the right to take all measures necessary to prevent such access, probing, scanning, or testing, including denial or termination of service.
• Include "Sure Credit" or any Sure Credit trademark or service mark, any Sure Credit executive's name, or any variation of any of the foregoing as a metatag, hidden textual element, or any other indicator that may create an impression of affiliation, sponsorship, or endorsement between any user and/or site and Sure Credit.

When you are using this Site, Sure Credit may collect analytics information automatically. This information may include your general device information, device identifiers, network information, website, and application interaction events. Sure Credit use this information to analyze, develop and improve the performance of this Site. For this purpose, we may use internal analytic as well as third-party service providers. All rights not expressly granted herein are reserved by Sure Credit. Sure Credit expressly reserves the right to monitor any and all use of this Site.

Linking Conditions

Please read these linking conditions ("Linking Conditions") before linking to this Site. You may not link to this Site unless you accept and comply with these Linking Conditions. You are granted a limited, revocable, nonexclusive right to create a hyperlink to this Site provided you comply at all times with all of the following conditions:

1. The link must resolve to Sure Credit's portal page at www.Sure Credit.com; The text of the link on the linking site must include the terms "Sure Credit" or www.Sure Credit.com;
2. The link and surrounding context on the linking site must not falsely represent or suggest any relationship between the linking site and Sure Credit (including suggestions of affiliation, endorsement, membership or sponsorship);
3. The link and surrounding context on the linking site must not portray Sure Credit, its members, or their products or services in a false, misleading, derogatory, or otherwise offensive manner;
4. The link must deliver Sure Credit content outside of a framed environment and must maintain the integrity of the layout, content, and look and feel of this Site; and
5. The link must deliver users directly to this Site unaltered, unmodified, and unadulterated in any way by the linking site.

Downloading Files

If you download software or files from this Site, the software, including any files or images incorporated in or generated by the software and data accompanying the software, and files (collectively, the "Files") are licensed to you by Sure Credit subject to these Terms of Use and solely for your personal, noncommercial use unless you are a Sure Credit-authorized entity, in which case you may use the Files for your internal business purposes. However:

• Sure Credit does not transfer title to the Files to you;
• Except as provided for herein, you own the medium on which the Files are recorded, but Sure Credit and its licensors retain full and complete title in and to the Files, including all intellectual property rights therein;
• You may not redistribute, sell, decompile, reverse engineer, disassemble, or otherwise reduce the Files to any other form whatsoever;
• You may not use the Files directly or indirectly on a time-sharing, remote-job-entry, or service-bureau basis for the benefit of any third party; and
• Software from this Site is subject to U.S. export controls. Software from this Site may not be downloaded or otherwise exported or reexported outside the United States. By downloading or using any software from this Site, you represent and warrant that you are not located in, under the control of, or a national or resident of any country or territory outside the United States and its territories.

Links to Third-Party Websites

This Site may include links to other third-party websites and resources enabling you to leave the Site in order to access them, or may incorporate materials or information from other third-party Sites. Unless otherwise expressly provided Sure Credit, such third-party websites listed as links in this Site are not under the control of Sure Credit, but rather are exclusively controlled by third parties. Accordingly, Sure Credit makes no representations whatsoever concerning such websites. Although Sure Credit may provide a link to a third party, such a link is not an authorization, endorsement, sponsorship or affiliation by Sure Credit with respect to such website, its owners or its providers. Sure Credit is providing these links only as a convenience to you. Sure Credit has not tested any information, products or software found on such websites and therefore cannot make any representations whatsoever with respect thereto. It is up to you to take precautions to ensure that whatever you select is free of such items as viruses, worms, trojan horses and other items of a destructive nature.

IN NO EVENT WILL Sure Credit BE LIABLE TO ANY PARTY FOR ANY DIRECT, INDIRECT, SPECIAL OR OTHER CONSEQUENTIAL DAMAGES FOR THE AVAILABILITY OR ANY USE OF ANY HYPERLINKED WEB SITE, INCLUDING, WITHOUT LIMITATION, ANY LOST PROFITS, BUSINESS INTERRUPTION, LOSS OF PROGRAMS OR OTHER DATA ON YOUR INFORMATION HANDLING SYSTEM OR OTHERWISE, EVEN IF WE ARE EXPRESSLY ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Limitation of Liabilities and Warranties; Disclaimers

YOU EXPRESSLY UNDERSTAND AND AGREE THAT YOUR USE OF THIS SITE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. TO THE FULL EXTENT PERMITTED UNDER APPLICABLE LAW, Sure Credit, INCLUDING BUT NOT LIMITED TO Sure Credit'S MEMBERS, SUPPLIERS, THIRD-PARTY CONTENT PROVIDERS, AND LICENSORS, EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND WITH RESPECT TO THIS SITE AND ANY PRODUCTS OR SERVICES AVAILABLE ON OR THROUGH THIS SITE, WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT.

Sure Credit, INCLUDING BUT NOT LIMITED TO Sure Credit'S MEMBERS, REPRESENTATIVES, AGENTS, SUPPLIERS, THIRD-PARTY CONTENT PROVIDERS AND LICENSORS, MAKES NO WARRANTY THAT:

1. THIS SITE WILL MEET YOUR REQUIREMENTS;
2. THIS SITE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR FREE OF VIRUSES, ERRORS, WORMS, DATE BOMBS, TIME BOMBS, OR OTHER HARMFUL COMPONENTS;
3. THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THIS SITE WILL BE ACCURATE OR RELIABLE;
4. ANY ERRORS ON THIS SITE WILL BE CORRECTED; OR
5. THE DATA AND MATERIALS PRESENTED OR DISPLAYED ON THIS SITE ARE CORRECT, ACCURATE, CURRENT, OR RELIABLE.

ANY CONTENT OR DATA DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THIS SITE IS DONE AT YOUR OWN DISCRETION AND RISK. YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY SUCH CONTENT.

NEITHER Sure Credit NOR Sure Credit'S MEMBERS, REPRESENTATIVES, AGENTS, SUPPLIERS, THIRD-PARTY CONTENT PROVIDERS OR LICENSORS SHALL BE LIABLE FOR ANY PUNITIVE, DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES WHATSOEVER, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, REVENUE, INCOME, GOODWILL, USE, DATA, OR OTHER INTANGIBLE LOSSES (EVEN IF Sure Credit OR ANY SUCH THIRD PARTY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES), WITHOUT REGARD TO THE FORM OF ANY ACTION, INCLUDING BUT NOT LIMITED TO CONTRACT AND TORT ACTIONS (INCLUDING LIBEL), ARISING OUT OF OR IN CONNECTION WITH THE (BY WAY OF EXAMPLE ONLY):

1. THE USE, COPYING OR DISPLAY OF, OR THE INTERACTION OR ANY OTHER FORM OF COMMUNICATION WITH, THIS SITE AND THE INFORMATION CONTAINED AT THIS SITE (INCLUDING VIA COMPUTER VIRUSES OR ANY OTHER FORM OF SOFTWARE).
2. STATEMENTS OR CONDUCT OF ANY THIRD PARTY ON THIS SITE; OR
3. ANY OTHER MATTER RELATING TO THIS SITE.

THE MATERIAL ON THIS SITE IS PROVIDED SOLELY FOR THE PURPOSES EXPRESSLY STATED HEREIN AND DOES NOT CONSTITUTE FINANCIAL, LEGAL, OR TAX ADVICE ON ANY MATTER. Sure Credit ASSUMES NO RESPONSIBILITY FOR THE ACCURACY OR TIMELINESS OF ANY INFORMATION PROVIDED HEREIN.

No Advice Provided

Any opinions, chats, messages, news, research, analyses, prices, or other information contained on this Site are provided as general market information for educational and entertainment purposes only, and is not intended as any form of advice, whether legal, accounting, investment, financial or tax advice. Therefore, it cannot be relied upon as such. Should you require such advice, contact a licensed professional.

Opinions, market data, recommendations or any other content is subject to change at any time without notice. You understand that any data is supplied by sources believed to be reliable, that any calculations made using such data are not guaranteed by these sources, the information providers, or any other person or entity, and may not be complete. Sure Credit will not accept liability for any loss or damage, including without limitation any loss of profit, which may arise directly or indirectly from use of or reliance on such information.

Indemnity

You agree to indemnify, defend, and hold harmless Sure Credit, its members, representatives, agents, suppliers, third-party content providers, and licensors from and against any and all claims, liabilities, damages, losses, or expenses, including attorney's fees and costs, arising out of or in any way connected with your access to or use of this Site.

Integration and Severability

If any provision of these Terms of Use is deemed unlawful, void, or for any reason unenforceable, then that provision will be deemed severable from these Terms of Use and will not affect the validity and enforceability of the remaining provisions. The preceding Terms of Use represent the entire agreement between Sure Credit and you relating to the subject matter herein.

Questions regarding this Site and/or these Terms of Use governing access to and use of the Site should be directed to [email protected] .